Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks and Spencer are so useful. M&S Finance financial products are, of course, designed to make Marks & Spencer a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M&S Finance Buildings & Contents Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M&S Finance Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Mark & Spensers online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings & Contents Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from MarksandSpencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

Besides Marks n Spencer Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Buildings & Contents Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Finance Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spencers purchases are also protected while you take them home.

Also, on both M&S Finance Premier Buildings & Contents Insurance and Standard Buildings & Contents Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Per Una Pure Cotton Star Print Dressing Gown, at Marks and Spencer
Modern and feminine, this pretty dressing gown features a star print. It's made from cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Portfolio Short Sleeve Scoop Neck Top, at Mark's & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Cotton Rich Spot Print Bikini Knickers, at Marks and Spenser
Pretty and feminine, these cute spot print bikini briefs sit low on the waist - perfect for wearing under hipsters. They're cut away at the front and sides and cover the bottom for a comfortable and flattering fit

Satin Trim Bootleg Linen Blend Trousers, at Marks and Spencer
Fashionable and fabulous, bootleg trousers flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. A look that's always in style

Secret Support™ Check Moccasin Slippers, at Mark & Spensers
Round toe Check design Flat sole Comes in sizes 3-8

M&S Juicer, at Mark's & Spencer
1 litre capacity 30 watt Removable & washable filter Transparent plastic body Cord storage Dimensions: H32cm M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Adored Ribbon Trim Nightdress, at Marks & Spencer
Stylish and elegant, this flattering nightdress is part of our feminine Adored collection. It's made from a model blend for the ultimate in comfort

Per Una 3/4 Sleeve Frill Neck Jersey Top, at Marks and Spencer
A stylish 3/4 sleeve jersey top in textured fabric featuring frill neck detail

3 Authentic Woven Pure Cotton Assorted Boxers, at Marks and Spenser
Add colour to your underwear drawer with these comfy assorted check and stripe design boxers

Pirque Estate Chardonnay 2007 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: South America Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl Alcohol volume: 15% vol. Alcohol units per bottle: 11.3 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Widefit Knee High Wedge Heel Stretch Boots, at Marks and Spencers
Round toe Stretch design Stitch detail Knee high Wedge mid heel Heel height: 55mm Comes in sizes 3-8, including half size

Rosso di Puglia 2008 - Case of 12, at M+S
Style: Full bodied Grape variety: Primitivo and Negroamaro Country of origin: Italy Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml:1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

5 Big & Tall Pairs of Cotton Rich Plain °Climate Control Briefs, at Marks & Spencer
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Pure Leather Patent Oval Buckle Belt, at Marks and Spencers
Add a smart finishing touch with this leather patent finish oval buckle belt

Cotton Blend Stripe Pyjama Bottoms, at Marks and Spencer
Pretty and feminine, these comfortable pyjama bottoms feature stripe design

Handcrafted Flower Fairies Mother's Day Card, at Marks & Spencers
Cover text: With love on Mother's day Inside message: Have a lovely day Approx size: 178 x 126mm FLOWER FAIRIES ™ The Estate of Cicely Mary Barker 2009 Licensed by opyrights Group Visit the Flower Fairies website at: www.flowerfairies.co.uk

M&S Driving Test Software, at M+S
Theory, hazard and practical driving tests all in one handy suite Theory - multiple choice Hazard perception - official Q&A sample clips Practical - 2 day driving programme and interactive guide This product is not available for international delivery. Find out more M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information

Autograph Leather Hip Wallet & Credit Card Holder, at Mark's & Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Collezione Luxury Wool Rich Trousers with Cashmere, at Marks n Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

First Readers Beauty & The Beast Book, at Mark & Spencers
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

North Coast Pure Cotton Cargo Shorts, at Marks & Spencer
Relaxed and casual, these fashionable shorts are made from comfortable cotton and feature characteristic cargo style pockets

Blue Harbour Pure Cotton Plain Polo Shirt, at Marks & Spensers
Featuring classic detailing and a relaxed fit, this plain design polo shirt is the perfect addition to your casual wardrobe

Grace Side Plate, at Marks and Spencers
Diam: 20.5cm Round Single stripe trim Leaf design Fine China, Manufacturer: Marks & Spencer

Collezione Pure Silk Floral Tie, at Marks and Spencers
Combining classic silk quality with a contemporary design, this stunning tie will make a valuable and versatile addition to your formal wardrobe. Made in Italy

Sony VAIO VGN-NS30Z/S Laptop, at Marks and Spenser
Processor: Intel Core™2 Duo Processor T6500 with Enhanced Intel SpeedStep Technology Processor speed: 2.1(GHz) RAM: DDR2 SDRAM (2x2GB) Screen: 15.4in. X-black LCD Operating System: Genuine Windows Vista Home Premium Hard Drive: Serial ATA 500(GB), 5400(rpm) Graphics card: Mobile Intel Graphics Media Accelerator 4500M Memory stick slot: Memory Stick™ Std / Duo, Memory Stick™ PRO Std / Duo, high speed data transfer Digital camera: Built-in 'Motion Eye' Digital Camera Optical Drive: Built-in DVD+-RW/+-R DL/RAM Interfaces: 4 Pin i.LINK™ (IEEE1394), 400 Mbps; 4 USB Ports Connectivity: Built-in Modem: V.92/V.90, Integrated Wireless LAN, Wireless LAN Type: 802.11b/g Draft n; Ethernet network: 10BASE-T/100BASE-TX/1000BASE-T Battery: Lithium-Ion battery (VGP-BPS13/B), Battery Life (min): 200; Battery Charging Time (min): 210 Video & TV software: Picture Motion Browser, Content Importer / Exporter, WinDVD 8 for VAIO, VAIO Movie Story Audio software: VAIO Music Box, Windows Media Player 11 Photo software: Picture Motion Browser, VAIO Movie Story CD-DVD burning software: Easy Media Creator 9, Click to Disc/Editor Office application software: Adobe Reader 9, Microsoft Office Home&Student (60 days Try & Buy) Security & other software: McAfee Internet Security Suite (with 60 days free virus update), VAIO Recovery Utility - HDD recovery (hidden partition), Google software package Accessories included: AC Adaptor, Battery, Power Cord Dimensions: H32-38 x W36 x D27cm Weight: 2.9kg (with Supplied Battery and Supplied Drive) M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information This product is not available for international delivery. Find out more

Pure Silk Embroidered Floral Tie, at Marks and Spencer
Add a luxurious finishing touch with this smart embroidered floral tie in pure silk

3/4 Sleeve Pleated Mock Layer Top, at Marks and Spencer
It's the stunning pleat detail that makes this fashionable mock layer top the perfect way to get this season's look

Light Up Mirror Compartment, at Marks n Spencer
Prop up compartment Internal double mirror Square shape

Easy Baking Recipes, at Marks and Spencers
Perfect to cook up after a hard day at work, these easy baking recipes are not only simple and quick, but they're fresh, delicious and healthy. There are meals for on-the-move, chill-out sessions, quick fixes, snacks and sweets treats, all for you to enjoy

Twin Stitch Medium Purse, at Mark & Spensers
Practical and stylish, this purse features compartments for your cash and cards and a secure popper fastening, making it an ideal choice for everyday use

There are lots of ways to save money using M&S Finance. Not least of these is MarksandSpencer Standard Motor Insurance. With M&S Finance you can keep the cost of your Motor Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Motor Insurance cover from M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from MarksandSpencer, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Motor Insurance from M&S Financial Services, you get more, and you pay less.